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Pension adjustment reissue will begin, about 3150 yuan can be reissued to 1200 yuan to see
This is a hot topic about pensions and one that many retirees care about. Pension is one of the important sources of income for retirees, with the rise of prices and the improvement of living standards, retirees hope to enjoy higher pension treatment.
In order to ensure and improve the life of retirees, the state will make appropriate adjustments to pensions every year, and at the same time, the pensions of new retirees will be recalculated and reissued. So, how will this year's pension adjustment be carried out? Can the pension of about 3150 yuan be repaid to 1200 yuan? Let's take a closer look.
First of all, we need to understand the scope and level of pension adjustment repayment.
According to the notice of the Ministry of Human Resources and Social Security and the Ministry of Finance on adjusting the basic pension for retirees in 2022111, the basic pension level of retirees (hereinafter referred to as retirees) of enterprises, institutions and institutions will be adjusted from January 1, 2022. The scope of adjustment is for retirees who have completed retirement procedures and received basic pension on a monthly basis before December 31, 2021. The adjustment level is determined by the national adjustment ratio at 4% of the monthly per capita basic pension of retirees in 2021.
Each province shall take the national adjustment ratio as the high limit and determine the adjustment ratio and level of its own province.
Second, we need to understand the methods and sources of funds for pension adjustments. According to Circular 1, adopt the method of combining fixed amount adjustment, linkage adjustment and appropriate tilt, and realize the unification of the adjustment method for retirees in enterprises, organs and institutions. Quota adjustments should reflect the principle of fairness; The linkage adjustment should reflect the incentive mechanism of overpaying more and paying more for a long time, and should be linked to the retiree's own contribution years (or working years) and the basic pension level; For elderly retirees and retirees in difficult and remote areas, the level of adjustment can be appropriately raised.
Continue to ensure that the basic pension of retired military cadres of enterprises who have been resettled to work in local areas and have participated in basic endowment insurance is not lower than the average basic pension of retirees of local enterprises. It is necessary to further strengthen incentives and appropriately increase the proportion of linkage adjustment. The funds required for adjusting the basic pension shall be paid from the basic endowment insurance fund of the enterprise for those who participate in the basic endowment insurance for enterprise employees, and the basic endowment insurance for the staff of organs and institutions shall be paid from the basic endowment insurance fund of organs and institutions.
The central finance shall provide appropriate subsidies for the funds needed by the central and western regions, old industrial bases, the Xinjiang Production and Construction Corps, and the central state organs and institutions in Beijing. Local finances will provide certain subsidies to local adjustment of new expenditure funds for enterprise retirees. If the employee does not participate in the basic endowment insurance, the funds required for adjustment shall be solved by the original channel.
Finally, we need to understand the specific implementation of pension recalculation and possible problems.
According to Circular 1, all regions should attach great importance to it, earnestly strengthen leadership, meticulously organize implementation, strengthen publicity and interpretation, correctly guide public opinion, and ensure the smooth progress of the adjustment work. In accordance with the unified deployment of the Party Central Committee and the State Council, and in combination with the actual conditions of the region, specific implementation plans should be formulated and reported to the Ministry of Human Resources and Social Security and the Ministry of Finance for the record before May 31, 2022. It is necessary to strictly follow the implementation plan approved by the Ministry of Human Resources and Social Security and the Ministry of Finance, and implement all adjustment policies in place.
It is necessary to take effective measures to strengthen the management of the income and expenditure of the basic pension fund, make capital arrangements in advance, and ensure that the basic pension is paid in full and on time, and no new arrears occur. Without the approval of the Ministry of Human Resources and Social Security and the Ministry of Finance, the basic pension level of retirees shall not be raised on their own, and the level of treatment shall not be raised in disguised form by establishing minimum pension standards. Include the adjustment of the basic pension of retirees in the assessment of the national overall planning of the provincial government's endowment insurance; For the problem of local self-promulgation of policies that lead to a reduction in fund revenue and increase in expenditure, it shall be handled in accordance with the relevant provisions of the national overall planning system after verification.
The adjustment plan of the central state organs and their affiliated institutions in Beijing shall be formulated and organized and implemented by the Ministry of Human Resources and Social Security and the Ministry of Finance.
So, in this context, can the pension of about 3150 yuan be reissued to 1200 yuan? We can calculate based on some existing data and cases. According to Tencent News2, August will be an important juncture, and the pensions of new retirees will be recalculated and the difference will be paid.
Although everyone hopes to get more reissue, in fact, it is not easy to reach more than 3500 yuan. The amount of repayment involves the combined impact of a number of factors, including the difference between the old and new bases, the individual contribution index, length of service, deemed payment years, etc. By deciphering the formula for calculating pension retroactive payments2, we can see that achieving this goal is not easy under the current circumstances.
Taking Beijing as an example2, assuming that the monthly basic pension of a new retiree is 3150 yuan (excluding transitional pension), his contribution period is 35 years (including deemed contribution years), and the individual contribution index is 1.5 (that is, the contribution salary is 1.5 times the local average salary), then his basic pension difference is:
(3150-35×1.5× (2022 Beijing Base-2021 Beijing Base)/100)×4.8%
= (3150-35×1.5×(10000-9500)/100)×4.8%
= (3150-26.25)×4.8%
= $150.9
And his transitional pension difference is:
(35×1.5× (2022 Beijing Municipal Base) - 2021 Beijing Municipal Base)/100)×4.8%
= (35×1.5×(10000-9500)/100)×4.8%
= $25.2
Therefore, his total replacement amount is:
150.9+25.2=176.1 yuan
This result is far less than 3500 yuan.
Even if we assume that his contribution index is 3 (i.e. the contribution salary is 3 times the local average salary), then his total retroactive amount is:
(3150-35×3× (2022 Beijing Municipal Calculation Base - 2021 Beijing Municipal Calculation and Issuance Base)/100) × 4.8%
+ (35×3× (2022 Beijing Base) - 2021 Beijing Base)/100)×4.8%
= $352.8
This result is still far below 3500 yuan.
Therefore, we can see that in order to achieve the goal of replacing the pension of about 3150 yuan to 1200 yuan, the following conditions need to be met:
- Very high contribution index, i.e. contribution wages are much higher than the local average;
- Very long payment period, i.e. very long working time;
- The difference between the calculation base is very large, that is, the difference between the old and new bases is very large.
However, in practice, it is difficult to meet these conditions at the same time.
Therefore, we can think that it is unlikely that the pension of about 3150 yuan will be reissued to 1200 yuan.
Of course, this is only a simple calculation, and the actual amount of repayment should be determined according to the specific implementation plan and personal situation of each region. If you want to know more about pension adjustment retroactively, you can get it in the following ways:
- Visit the official website of the Ministry of Human Resources and Social Security to view relevant policy documents and press releases;
- Call the 12333 hotline of the Ministry of Human Resources and Social Security to consult related questions;
- Log in to the online service platform of the Ministry of Human Resources and Social Security to inquire about individual pension accounts and benefits;
- Follow the official WeChat account of the Ministry of Human Resources and Social Security to get the latest news and service guides.